Spend 'n' Save

The more you use your debit card for purchases, the more you can save.

Ready to ratchet up your savings? Sign up for Spend 'n' Save and turn your debit card into an automatic savings tool with every debit purchase.

Now you can enjoy effortless savings.

Sign me up!

If you already have a debit card with your Langley checking account just call 757-827-5328 or 800-826-7490 or sign up for Spend 'n' Save online.

It's easy to get your Langley debit card. Open your checking account today:

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757-827-5328 or 800-826-7490


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Frequently Asked Questions

How do I enroll in Spend 'n' Save?
To participate in Spend 'n' Save you just need a Langley checking account and a debit card. Simply call our Contact Center at 757-827-5328, ,visit any Langley branch, or complete our online form.
When are the funds transferred to savings?
Spend 'n' Save transfers take place at the end of the business day on which your purchase posts to your checking account. If the transaction posts late at night, the round up may occur the next evening.
How can I keep track of my debit card purchases and Spend 'n' Save transactions?
You should always verify that your debit card transaction posts for the right amount using Online Banking. How you document the round up is entirely up to you. One suggestion would be to round up the transaction in your records. Another suggestion would be to post the rounded up amount in a single entry each day. The choice is yours to determine how you want to handle that. Review your accounts regularly and keep receipts until you verify that correct purchase amounts were posted.
How will purchases and the amount set aside as savings appear on my statements and in Online and Mobile Banking?
Debit card purchases will be posted to your account for the exact amounts and will appear on your statement as they always have. The round up amount will post in a lump sum at the end of each day with the words "Spend and Save Transfer" in your checking account and "Spend and Save Deposit" in your savings account.
Are automated payments (using my debit card number) included in Spend 'n' Save?
Yes, these transactions should round up the same way your other debit card transactions do.
If my wife and I each have a debit card on the same checking account, do we each have to enroll to participate?
No, all debit cards attached to a checking account will participate in the Spend 'n' Save program once at least one of you enrolls the account.
What if there is not enough money in my checking account to cover the rounded up amount?

A daily Spend 'n' Save transfer will not occur in the following situations:

  • The entire amount of the daily transfer is not available and the transfer would create a negative balance.
  • A negative balance already exists.
What if I make a return?
If your debit card transaction is immediately reversed, no Spend 'n' Save transfer will occur. However, if you return an item after the transaction is completed, the Spend 'n Save transfer will post based on the original purchase amount.
Is there a limit on the amount that can be transferred daily or monthly to savings?
No, there is no limit on the amount or number of Spend 'n' Save transfers.
How can I keep track of my savings from Spend 'n' Save?
You can view your Spend 'n Save transfers from your checking to your savings in Online Banking, Mobile Banking and on your monthly statements. We will even provide a chart on your statement to track your success with the program.
Can Spend 'n' Save transfer to more than one savings account?
Spend 'n' Save transfers money to only one primary savings account.
What if I decide to change to a different savings account?
If the receiving Spend 'n' Save savings account is changed, any pending Spend 'n' Save transfers scheduled to go to the original savings account will transfer as expected to the new savings account.
How can I cancel or change the Spend 'n' Save program?
If you wish to stop participating in Spend 'n' Save or change your savings account deposit, simply call our Contact Center at 757-827-5328, or visit any Langley branch to cancel your enrollment.
Can I request that the savings be deposited into another member's account (i.e. grandchild, child)?
You may only transfer to the primary savings account under your member number.